Being included in the Top 15th perentile is a designation earned by optimally balancing Risk and Reward over the past year and achieving a risk
adjusted reward score ranked in the top 15th Percentile of Community Banks. To gain entry into this distinguished, the Bank demonstrated
exemplary performance of balancing risk and reward based on the Bank’s S&B Total Risk/Return Composite Ranking. This is no small feat! The S&B Total Risk/Return
model is built off of its belief that conservative, traditional community banking is the strength of our financial system.
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